Poor fish farmers' accessibility to credits: A review

Fisheries sector contributes about 5.3% to GDP and about 6% of the export earnings of Bangladesh. There are about 4.1 million ha of inland water bodies in Bangladesh. However, over last two decades the catch from inland capture fishery has decreased due to filling of wet lands and other anthropogenic reasons. Accordingly, the production of inland fish has decreased not only for the decrease of water bodies but also due to irrational catch of fish fries, brood fishes and use of current nets for fishing. Significant responses from the fisheries entrepreneurs have not been received for the small loan scheme of the Bangladesh Bank. The bank could not disburse more than Tk. 500 million under the scheme. The total revolving credit under the scheme was Tk. 1,000 million with the assistance from the World Bank. The business houses having fixed assets of value not more than Tk. 10 million will be eligible to borrow from this fund. About Tk. 0.2-5.0 million can be borrowed as term loan and working capital from Bangladesh Bank through commercial banks. The loan was given to the commercial banks at 5% interest (bank rate) and the commercial banks shall also bridge finance to the entrepreneurs at a lower rate of interest. Working capital time limit is for a maximum of 1 year with half yearly rest, mid-term loan maximum of 3 years in 5 installments and with 6 months grace period and long-term loan maximum of 5 years in 9 installments with 6 months grace period.

Construction of 2-D directional filter bank by cascading checkerboard-shaped filter pair and CMFB

In this paper, we propose a new approach to construct a 2-dimensional (2-D) directional filter bank (DFB) by cascading a 2-D nonseparable checkerboard-shaped filter pair and 2-D separable cosine modulated filter bank (CMFB). Similar to diagonal subbands in 2-D separable wavelets, most of the subbands in 2-D separable CMFBs, tensor products of two 1-D CMFBs, are poor in directional selectivity due to the fact that the frequency supports of most of the subband filters are concentrated along two different directions. To improve the directional selectivity, we propose a new DFB to realize the subband decomposition. First, a checkerboard-shaped filter pair is used to decompose an input image into two images containing different directional information of the original image. Next, a 2-D separable CMFB is applied to each of the two images for directional decomposition. The new DFB is easy in design and has merits: low redundancy ratio and fine directional-frequency tiling. As its application, the BLS-GSM algorithm for image denoising is extended to use the new DFBs. Experimental results show that the proposed DFB achieves better denoising performance than the methods using other DFBs for images of abundant textures. (C) 2008 Elsevier B.V. All rights reserved.

浑太流域洪涝灾害及其治理方略

Hunhe, Taizihe rivers originating from the east mountain areas of Liaoning Province are the biggest tributaries of the left bank of Liaohe River. From the initial stage of New China to the early 1990s, the frequency of flood damage had decreased, but recently the disasters have upgraded and changed from trunk stream to tributary basins. In July 1995, Dongzhouhe, a tributary of Hunhe River, suffered from a heaviest flood since establishing the document of floods in Hunhe basin. Meanwhile, a peak discharge, almost beyond double defending ability, occurred at Dadongshanpu Station of Beishahe River, a tributary of Taizihe River. Besides the continued heavy rainstorm, no controllable water conservancy projects and ecological damages caused by quickly decreasing forest cover and water and soil loss are the two main causes of flood damage. In addition, the low flood protection standard is also one of causes. According to the above analyses, some strategies of synthetic controlling for flood damages were put forward: 1) Establishing the system of ecological engineering to defend floods and reduce disasters; 2)Setting up storage and detention areas; 3) Establishing flood controlling information system; 4) Improving the accuracy of media short period and short period rainstorm forecast and flood forecast; 5) Insurance of flood protection.

Seed-bank development, germination and early seedling survival of two seagrass species from The Netherlands: Zostera marina L. and Zostera noltii hornem

Flowering and seed-bank development of annual Zostera marina L. and perennial Z. noltii hornem. were studied in the Zandkreek (S.W. Netherlands). Flowering of Z. noltii started at the end of June and continued until the end of September. A maximum of ca. 1000 flowering shoots (11% of the total amount of shoots per square metre) occurred in early August. Flowering of Z. marina started at the end of July and continued throughout October. Seed banks of both species appeared to be annual. Actual seed densities of Z. noltii were much lower than predicted on the basis of the amount of inflorescences.Germination was studied in the laboratory in relation to temperature (10, 20 and 30°C), salinity (1.0, 10.0, 20.0, 30.0 and 40.0‰) and stratification (at 4°C). Both species showed a maximal germination at 30°C and 1.0‰ salinity, decreasing with higher salinities and lower temperatures. Stratification stimulated germination only at salinities 20.0‰. Desiccation and anaerobia were lethal to Z. marina seeds. Seedlings of Z. marina survived best at 10°C and 10.0–20.0‰ salinity and those of Z. noltii survived best at 10°C and 1.0‰ salinity. Overall, seedlings of Z. marina survived better than those of Z. noltii.

An empirical examination of risk equalisation in a regulated community rated health insurance market

Despite universal access entitlements to the public healthcare system in Ireland, over half the population is covered by voluntary private health insurance. The market operates on the basis of community rating, open enrolment and lifetime cover. A set of minimum benefits also exists, and two risk equalisation schemes have been put in place but neither was implemented. These schemes have proved highly controversial. To date, the debate has primarily consisted of qualitative arguments. This study adds a quantitative element by analysing a number of pertinent issues. A model of a community rated insurance market is developed, which shows that community rating can only be maintained in a competitive market if all insurers in the market have the same risk profile as the market overall. This has relevance to the Irish market in the aftermath of a Supreme Court decision to set aside risk equalisation. Two reasons why insurers’ risk profiles might differ are adverse selection and risk selection. Evidence is found of the existence of both forms of selection in the Irish market. A move from single rate community rating to lifetime community rating in Australia had significant consequences for take-up rates and the age profile of the insured population. A similar move has been proposed in Ireland. It is found that, although this might improve the stability of community rating in the short term, it would not negate the need for risk equalisation. If community rating were to collapse then risk rating might result. A comparison of the Irish, Australian and UK health insurance markets suggests that community rating encourages higher take-up among older consumers than risk rating. Analysis of Irish hospital discharge figures suggests that this yields significant savings for the Irish public healthcare system. This thesis has implications for government policy towards private health insurance in Ireland.

Risk management and the potential of cattle insurance in Tigray, Northern Ethiopia

This study explores the role of livestock insurance to complement existing risk management strategies adopted by smallholder farmers. Using survey data, first, it provides insights into farmers’ risk perception of livestock farming, in terms of likelihood and severity of risk, attitude to risk and their determinants. Second, it examines farmers’ risk management strategies and their determinants. Third, it investigates farmers’ potential engagement with a hypothetical cattle insurance decision and their intensity of participation. Factor analysis is used to analyse risk sources and risk management, multiple regressions are used to identify the determinants; a Heckman model was used to investigate cattle insurance participation and intensity of participation. The findings show different groups of farmers display different risk attitude in their decision-making related to livestock farming. Production risk (especially livestock diseases) was perceived as the most likely and severe source of risk. Disease control was perceived as the best strategy to manage risk overall. Disease control and feed management were important strategies to mitigate the production risks. Disease control and participation on safety net program were found to be important to counter households’ financial risks. With regard to the hypothetical cattle insurance scheme, 94.38% of households were interested to participate in cattle insurance. Of those households that accepted cattle insurance, 77.38% of the households were willing to pay the benchmark annual premium of 4% of the animal value while for the remaining households this was not affordable. The average number of cattle that farmers were willing to insure was 2.71 at this benchmark. Results revealed that income (log income) and education levels influenced positively and significantly farmers’ participation in cattle insurance and the number of cattle to insure. The findings prompt policy makers to consider livestock insurance as a complement to existing risk management strategies to reduce poverty in the long-run.